VBIIX vs. VTI
VBIIX (Vanguard Intermediate-Term Bond Index Fund) and VTI (Vanguard Total Stock Market ETF) are both funds - VBIIX is a Intermediate Core Bond fund managed by Vanguard, while VTI is a Large Cap Blend Equities fund tracking the CRSP US Total Market Index. Over the past 10 years, VBIIX returned 1.71%/yr vs 15.02%/yr for VTI. At a correlation of -0.20, they often move in opposite directions. VBIIX charges 0.15%/yr vs 0.03%/yr for VTI.
Performance
VBIIX vs. VTI - Performance Comparison
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Returns By Period
In the year-to-date period, VBIIX achieves a -0.18% return, which is significantly lower than VTI's 9.62% return. Over the past 10 years, VBIIX has underperformed VTI with an annualized return of 1.71%, while VTI has yielded a comparatively higher 15.02% annualized return.
VBIIX
- 1D
- 0.58%
- 1M
- 1.05%
- YTD
- -0.18%
- 6M
- 0.35%
- 1Y
- 4.67%
- 3Y*
- 4.13%
- 5Y*
- -0.07%
- 10Y*
- 1.71%
VTI
- 1D
- 0.57%
- 1M
- 1.00%
- YTD
- 9.62%
- 6M
- 9.69%
- 1Y
- 26.27%
- 3Y*
- 20.60%
- 5Y*
- 12.20%
- 10Y*
- 15.02%
VBIIX vs. VTI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VBIIX Vanguard Intermediate-Term Bond Index Fund | -0.18% | 8.12% | 1.44% | 5.67% | -13.34% | -2.73% | 9.72% | 10.11% | -0.24% | 3.78% |
VTI Vanguard Total Stock Market ETF | 9.62% | 17.10% | 23.81% | 26.05% | -19.52% | 25.68% | 21.08% | 30.67% | -5.23% | 21.21% |
Correlation
The correlation between VBIIX and VTI is 0.28, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.28 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.21 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.13 |
Correlation (10Y) Calculated over the trailing 10-year period | -0.02 |
Correlation (All Time) Calculated using the full available price history since May 31, 2001 | -0.20 |
The correlation between VBIIX and VTI shifts across timeframes, from -0.20 (all time) to 0.28 (1 year), reflecting how their relationship changes across market environments.
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Return for Risk
VBIIX vs. VTI — Risk / Return Rank
VBIIX
VTI
VBIIX vs. VTI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Intermediate-Term Bond Index Fund (VBIIX) and Vanguard Total Stock Market ETF (VTI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| VBIIX | VTI | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.86 | ||
| Sortino ratioReturn per unit of downside risk | -0.99 | ||
| Omega ratioGain probability vs. loss probability | 1.19 | 1.35 | -0.16 |
| Calmar ratioReturn relative to maximum drawdown | 1.33 | 2.79 | -1.46 |
| Martin ratioReturn relative to average drawdown | 3.82 | 12.52 | -8.70 |
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Drawdowns
VBIIX vs. VTI - Drawdown Comparison
The maximum VBIIX drawdown since its inception was -19.32%, smaller than the maximum VTI drawdown of -55.45%. Use the drawdown chart below to compare losses from any high point for VBIIX and VTI.
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Drawdown Indicators
| VBIIX | VTI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -19.32% | -55.45% | +36.13% |
Max Drawdown (1Y)Largest decline over 1 year | -3.44% | -8.92% | +5.48% |
Max Drawdown (3Y)Largest decline over 3 years | -6.07% | -19.30% | +13.23% |
Max Drawdown (5Y)Largest decline over 5 years | -18.93% | -25.36% | +6.43% |
Max Drawdown (10Y)Largest decline over 10 years | -19.32% | -35.00% | +15.68% |
Current DrawdownCurrent decline from peak | -2.48% | -2.14% | -0.34% |
Average DrawdownAverage peak-to-trough decline | -2.98% | -8.02% | +5.04% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.20% | 1.99% | -0.79% |
Volatility
VBIIX vs. VTI - Volatility Comparison
The current volatility for Vanguard Intermediate-Term Bond Index Fund (VBIIX) is 1.49%, while Vanguard Total Stock Market ETF (VTI) has a volatility of 4.50%. This indicates that VBIIX experiences smaller price fluctuations and is considered to be less risky than VTI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VBIIX | VTI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.49% | 4.50% | -3.01% |
Volatility (6M)Calculated over the trailing 6-month period | 3.08% | 9.82% | -6.74% |
Volatility (1Y)Calculated over the trailing 1-year period | 4.16% | 12.64% | -8.48% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.39% | 17.47% | -11.08% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 5.36% | 18.33% | -12.97% |
VBIIX vs. VTI - Expense Ratio Comparison
VBIIX has a 0.15% expense ratio, which is higher than VTI's 0.03% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
VBIIX vs. VTI - Dividend Comparison
VBIIX's dividend yield for the trailing twelve months is around 4.13%, more than VTI's 1.03% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
VBIIX Vanguard Intermediate-Term Bond Index Fund | 4.13% | 3.61% | 3.71% | 2.72% | 2.30% | 2.99% | 2.85% | 2.66% | 2.78% | 2.66% | 2.98% | 3.02% |
VTI Vanguard Total Stock Market ETF | 1.03% | 1.12% | 1.27% | 1.44% | 1.66% | 1.21% | 1.42% | 1.78% | 2.04% | 1.71% | 1.92% | 1.98% |
Frequently Asked Questions
VBIIX and VTI have a correlation of 0.28, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
VTI has higher volatility (4.50%) compared to VBIIX (1.49%). In terms of maximum drawdown, VBIIX dropped -19.32% vs VTI's -55.45%.
VTI currently has the higher Sharpe Ratio (1.97 vs 1.11), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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